Live Oak Bancshares (LOB) vs OceanFirst Financial (OCFC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Live Oak Bancshares (LOB) has outperformed OceanFirst Financial (OCFC) over the past year, losing 2.9% versus a loss of 9.2%. Over five years, OCFC leads with a -24.7% price change compared with -51.5% for LOB. OceanFirst Financial is the larger company by market cap ($1.59 billion vs $1.59 billion), about 1.0 times the size.
On valuation, OceanFirst Financial trades at a lower forward P/E (7.2x vs 8.1x for Live Oak Bancshares). OceanFirst Financial offers the higher dividend yield (4.86% vs 0.35%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | LOB | OCFC |
|---|---|---|
| Share price | $34.26 | $16.46 |
| Market cap | $1.59B | $1.59B |
| 1-day change | -6.11% | -1.73% |
| YTD return | -0.26% | -8.30% |
| 1-year return | -2.86% | -9.21% |
| 5-year return | -51.51% | -24.67% |
| P/E ratio (TTM) | 12.02 | 20.57 |
| Forward P/E | 8.11 | 7.16 |
| EPS (TTM) | $2.85 | $0.80 |
| Dividend yield | 0.35% | 4.86% |
| Annual dividend | $0.12 | $0.80 |
| 52-week high | $44.53 | $20.61 |
| 52-week low | $29.36 | $16.16 |
| Distance from 52-week high | -23.06% | -20.14% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +26.97% | +31.11% |
| Average volume | 214.88K | 973.53K |
| Shares outstanding | 46.28M | 96.65M |
| Employees | 1,027 | 898 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- OceanFirst Financial trades at a higher earnings multiple (20.6x vs 12.0x trailing P/E).
- OceanFirst Financial offers a meaningfully higher dividend yield (4.86% vs 0.35%).
About Live Oak Bancshares
LOB stock →Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States.
Finance · Major Banks · 1,027 employees
About OceanFirst Financial
OCFC stock →OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A.
Finance · Major Banks · 898 employees
LOB vs OCFC FAQ
Which is bigger, Live Oak Bancshares or OceanFirst Financial?
OceanFirst Financial (OCFC) is larger, with a market capitalization of $1.59B compared with $1.59B for Live Oak Bancshares (LOB).
Which stock has performed better over the past year, LOB or OCFC?
LOB returned -2.86% over the past 12 months, compared with -9.21% for OCFC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, LOB or OCFC?
LOB has the lower trailing P/E at 12.0, versus 20.6 for OCFC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Live Oak Bancshares or OceanFirst Financial?
OceanFirst Financial has the higher yield at 4.86%, compared with 0.35% for Live Oak Bancshares.
Are Live Oak Bancshares and OceanFirst Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.